Gerber Life Medigap Plans in West Virginia Medicare Supplement Insurance by Gerber Life for West Virginia Seniors

*Premiums shown are samples for a 65 year old, non-smoking woman in West Virginia. You must request a quote to get an exact premium for your situation.

Gerber Life Insurance Co is licensed in West Virginia to sell Gerber Life Medigap Plans. This page outlines the Medicare Supplement insurance available from this carrier, as well as resources to get an accurate quote. Supplemental insurance protects you from hospital and doctor bills not covered by Original Medicare (e.g., deductibles, copayments and coinsurance, etc.). This insurance carrier has participated in the supplement insurance market for 3 years and offers a range of plans for West Virginia seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave Gerber Life an A rating.

Medigap Plan A

All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.

West Virginia seniors with Medicare benefits are eligible to apply for a Gerber Life Insurance Co Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:

Medigap Plan F

Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.

There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.

The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.

Plan F is by far the most commonly purchased Medicare supplement in West Virginia. Gerber Life Insurance Co offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in West Virginia by comparing quotes from these insurance carriers:

Medigap Plan G

Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.

If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.

Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. Gerber Life Insurance Co offers a Plan G and we think it's worth comparing with the rates offered by these carriers:

Eligibility

You are eligible to apply for a Gerber Life Medicare Supplement if you are:

A resident of West Virginia,

Enrolled in Medicare Parts A and B, and

You are age 65 or over.

Gerber Life offers plans in Charleston, Huntington, Parkersburg, Morgantown, Wheeling and most other areas of the state.

This page is maintained by Elizabeth Dial and was last updated on 9/22/2015.

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MedigapAndYou.com offers free information that helps seniors find and compare Medicare insurance, including Medicare Supplements, Medicare Advantage Plans and Prescription Drug Plans. Our goal is to help seniors save money on their out-of-pocket healthcare costs by showing them all of their options. Our plan data comes from government, non-profit and private sources. Be sure to confirm coverage and premiums before enrolling in a Medicare plan. MedigapAndYou.com does not endorse any specific plan, and we are not affiliated with or endorsed by the government or the Medicare program. CMS has neither reviewed nor endorsed the information contained on this website. To contact Medicare directly, call 1-800-MEDICARE or visit www.medicare.gov.